Chain Lightning by ELIZABETH LOWELL Romance 1993

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Damon Sutter had set out to explore the Great Barrier Reef. Instead, his dreams of adventure took an unexpected twist with Mandy Blythe's arrival. Their association was supposed to be strictly business; yet she was too smart and independent to suit him. But avoiding her was difficult, and watching her had become better than any dream.

Though Mandy had been tricked into going to Australia, she'd never been fooled by Sutter. He was a womanizer who'd left a string of broken hearts across several continents, making him the last man she had expected to fall for. But the tropics created a different world, and paradise was only a heartbeat away.